METHOD AND SYSTEM FOR ELECTRONIC EXCHANGE OF REWARD POINTS
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Abstract
A system and method for operating a reward points accumulation and redemption program wherein a user earns rewards from a plurality of independent reward issuing entities, with each tracking the user'"'"'s earned rewards. A trading server accumulates some or all of the user'"'"'s earned rewards from the reward servers and credits the accumulated points rewards into a single reward exchange account associated with the user. The user may then select an item for purchase with the accumulated rewards. The item is provided to the user in exchange for a subset or all of the rewards. Reward points may also be redeemed in exchange for services, such as the playing of a video game or Internet access.
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Citations
54 Claims
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1-30. -30. (canceled)
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31. A method of operating a trading server computer comprising:
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a) a trading server computer transmitting a web page to a user computer for a user operating the user computer to enroll a plurality of user reward accounts with the trading server computer, each of said user reward accounts stored on an associated reward server computer and associated with the user for storing rewards awarded to the user for transactions between the user and an associated reward issuing entity, each of said user reward accounts indicated by the user to be accessed by the trading server for exchanging rewards into a user reward exchange account stored in association with trading server computer; b) the trading server computer receiving instructions from the user computer comprising a user profile indicating a prioritization of the plurality of user reward accounts to be accessed by the trading server computer for exchanging rewards into the user reward exchange account; and c) the trading server computer exchanging rewards from each of the plurality of user reward accounts in accordance with the prioritization indicated in the user profile into the user reward exchange account and combining the exchanged rewards with each other in the user reward exchange account. - View Dependent Claims (32, 33, 34, 35, 36)
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37. A trading server computer comprising memory means, communications means, and processing means programmed to:
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a) transmit a web page via the communication means to a user computer for a user operating the user computer to enroll a plurality of user reward accounts with the trading server computer, each of said user reward accounts stored on an associated reward server computer and associated with the user for storing rewards awarded to the user for transactions between the user and an associated reward issuing entity, each of said user reward accounts indicated by the user to be accessed by the trading server for exchanging rewards into a user reward exchange account stored in the memory means in association with trading server computer; b) receive instructions via the communication means from the user computer comprising a user profile indicating a prioritization of the plurality of user reward accounts to be accessed by the trading server computer for exchanging rewards into the user reward exchange account; and c) exchange rewards from each of the plurality of user reward accounts in accordance with the user profile into the user reward exchange account and combine the exchanged rewards with each other in the user reward exchange account. - View Dependent Claims (38, 39, 40, 41, 42)
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43. A method of operating a reward exchange system comprising:
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a) a trading server computer transmitting a web page to a user computer for a user operating the user computer to enroll a plurality of user reward accounts with the trading server computer, each of said user reward accounts stored on an associated reward server computer and associated with the user for storing rewards awarded to the user for transactions between the user and an associated reward issuing entity, each of said user reward accounts indicated by the user to be accessed by the trading server for exchanging rewards into a user reward exchange account stored in association with trading server computer; b) the user computer sending instructions to the trading server computer comprising a user profile indicating a prioritization of the plurality of user reward accounts to be accessed by the trading server computer for exchanging rewards into the user reward exchange account; and c) the trading server computer exchanging rewards from each of the plurality of user reward accounts in accordance with the user profile into the user reward exchange account and combining the exchanged rewards with each other in the user reward exchange account. - View Dependent Claims (44, 45, 46, 47, 48)
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49. A reward exchange system comprising:
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a trading server computer; a user computer operated by a user and selectively interconnected to the trading server computer via a computer network; and a plurality of reward server computers, each of said reward server computers comprising a user reward account associated with the user for storing rewards awarded to the user for transactions between the user and an associated reward issuing entity; wherein the trading server computer comprises memory means, communications means, and processing means programmed to; a) transmit a web page via the communication means to the user computer for the user operating the user computer to enroll the plurality of user reward accounts with the trading server computer, each of the user reward accounts indicated by the user to be accessed by the trading server for exchanging rewards into a user reward exchange account stored in the memory means in association with trading server computer; b) receive instructions via the communication means from the user computer comprising a user profile indicating a prioritization of the plurality of user reward accounts to be accessed by the trading server computer for exchanging rewards into the user reward exchange account; c) exchange rewards from each of the plurality of user reward accounts in accordance with the user profile into the user reward exchange account and combine the exchanged rewards with each other in the user reward exchange account. - View Dependent Claims (50, 51, 52, 53, 54)
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Specification